Mainstreet Bank Financials

MNSB Stock  USD 18.42  0.02  0.11%   
Based on the analysis of Mainstreet Bank's profitability, liquidity, and operating efficiency, Mainstreet Bank is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, Mainstreet Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 232.6 M, whereas Property Plant And Equipment Net is forecasted to decline to about 10.5 M. Key indicators impacting Mainstreet Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.530.3279
Way Up
Very volatile
Current Ratio1.161.1
Notably Up
Slightly volatile
The financial analysis of Mainstreet Bank is a critical element in measuring its lifeblood. Investors should not minimize Mainstreet Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

27.91 Million

  
Understanding current and past Mainstreet Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Mainstreet Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in Mainstreet Bank's assets may result in an increase in income on the income statement.
Please note, the presentation of Mainstreet Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Mainstreet Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Mainstreet Bank's management manipulating its earnings.

Mainstreet Bank Stock Summary

Mainstreet Bank competes with Oak Valley, Home Federal, LINKBANCORP, First Northwest, and Investar Holding. MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. MainStreet Bancshares, Inc. was incorporated in 2003 and is headquartered in Fairfax, Virginia. Mainstreet Bank operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 157 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS56064Y1001
CUSIP56064Y100 56064A102
LocationVirginia; U.S.A
Business Address10089 Fairfax Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitemstreetbank.com
Phone703 481 4567
CurrencyUSD - US Dollar

Mainstreet Bank Key Financial Ratios

Mainstreet Bank Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.3B1.6B1.6B1.9B2.0B2.1B
Net Debt1.4M(61.1M)(32.5M)123.3M19.1M14.5M
Retained Earnings29.1M44.2M64.2M86.8M106.5M111.9M
Cash53.4M75.9M61.8M48.9M53.6M28.4M
Other Assets995.5M1.2B1.3B110.6M1.8B1.9B
Net Receivables5.4M9.6M7.7M9.6M12.4M13.0M
Total Liab54.8M14.8M29.3M1.7B1.8B1.9B
Total Current Assets151.6M233.0M169.4M1.8B114.5M184.3M
Common Stock32.4M29.1M29.5M28.7M29.2M20.4M
Other Liab3.3M3.2M3.7M17.4M20.0M21.0M
Net Tangible Assets137.0M140.4M159.0M161.9M186.2M112.0M
Accounts Payable1.1B1.4B1.4B1.5B1.7B1.0B
Long Term Debt54.8M14.8M29.3M172.2M72.6M63.0M
Other Current Assets71.5M118.3M101.7M1.7B126.9M233.9M
Short Term Debt327K529K689K100.6M654K621.3K
Long Term Debt Total14.8M14.8M29.3M72.2M83.1M87.2M
Capital Surpluse75.1M66.1M67.7M64.0M73.6M70.2M
Net Invested Capital191.8M155.2M190.8M343.3M266.9M229.7M
Capital Stock32.4M56.4M56.7M56.0M56.5M53.2M

Mainstreet Bank Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense19.4M16.1M10.7M13.8M48.2M50.6M
Total Revenue44.3M53.5M59.6M74.8M79.6M83.6M
Gross Profit42.7M51.6M57.6M72.5M76.8M80.6M
Operating Income17.3M19.6M28.0M47.2M(2.8M)(2.6M)
Ebit17.3M57.7M58.9M77.4M(3.9M)(3.7M)
Ebitda18.9M59.2M60.6M79.2M(2.2M)(2.0M)
Net Income14.0M15.7M22.2M26.7M26.6M27.9M
Income Tax Expense3.4M3.8M5.8M6.7M6.2M6.6M
Income Before Tax17.3M19.6M28.0M33.4M32.8M34.5M
Cost Of Revenue1.6M1.9M2.0M2.3M2.8M2.9M
Tax Provision3.4M3.8M5.8M6.7M7.4M4.2M
Net Interest Income39.4M46.0M53.5M70.0M79.5M45.9M
Interest Income58.8M62.1M64.2M83.8M116.8M60.6M

Mainstreet Bank Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash6.8M42.7M(14.3M)37.4M(16.1M)(15.3M)
Free Cash Flow15.7M15.7M56.1M25.8M25.6M26.9M
Depreciation1.6M2.1M2.4M2.6M1.8M1.2M
Other Non Cash Items1.1M3.2M28.6M2.0M2.1M2.8M
Capital Expenditures990K1.3M4.3M7.8M6.0M6.3M
Net Income14.0M15.7M22.2M26.7M26.6M27.9M
End Period Cash Flow64.8M107.5M93.2M130.6M114.5M120.2M
Investments(161.4M)(313.8M)(35.6M)28.0M(144.6M)(151.8M)
Change To Netincome1.7M3.0M(693K)3.2M3.7M1.9M

Mainstreet Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Mainstreet Bank's current stock value. Our valuation model uses many indicators to compare Mainstreet Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Mainstreet Bank competition to find correlations between indicators driving Mainstreet Bank's intrinsic value. More Info.
Mainstreet Bank is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Mainstreet Bank is roughly  9.72 . At present, Mainstreet Bank's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Mainstreet Bank's earnings, one of the primary drivers of an investment's value.

Mainstreet Bank Systematic Risk

Mainstreet Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Mainstreet Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Mainstreet Bank correlated with the market. If Beta is less than 0 Mainstreet Bank generally moves in the opposite direction as compared to the market. If Mainstreet Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Mainstreet Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Mainstreet Bank is generally in the same direction as the market. If Beta > 1 Mainstreet Bank moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Mainstreet Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Mainstreet Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Mainstreet Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(21.74)

At present, Mainstreet Bank's Price Earnings To Growth Ratio is projected to decrease significantly based on the last few years of reporting.

Mainstreet Bank November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Mainstreet Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Mainstreet Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of Mainstreet Bank based on widely used predictive technical indicators. In general, we focus on analyzing Mainstreet Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Mainstreet Bank's daily price indicators and compare them against related drivers.

Complementary Tools for Mainstreet Stock analysis

When running Mainstreet Bank's price analysis, check to measure Mainstreet Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Mainstreet Bank is operating at the current time. Most of Mainstreet Bank's value examination focuses on studying past and present price action to predict the probability of Mainstreet Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Mainstreet Bank's price. Additionally, you may evaluate how the addition of Mainstreet Bank to your portfolios can decrease your overall portfolio volatility.
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